Kodi kubwereketsa nyumba kwazaka 40 ndi lingaliro labwino?
Nkhaniyi ikufunika mawu owonjezera kuti atsimikizire. Chonde thandizani kukonza nkhaniyi powonjezera mawu ochokera kodalirika. Zinthu zopanda gwero zitha kutsutsidwa ndi kuchotsedwa. Pezani Kochokera: "Ngongole Yanyumba" - Nkhani - Manyuzipepala - Mabuku - Scholar - JSTOR (Epulo 2020) (Dziwani momwe mungachotsere komanso nthawi yochotsera izi mu template)
Obwereketsa nyumba akhoza kukhala anthu omwe akubwereketsa nyumba zawo kapena atha kukhala makampani omwe akubwereketsa katundu wamalonda (mwachitsanzo, malo awo abizinesi, nyumba zobwereketsa kwa obwereketsa, kapena mbiri yandalama). Wobwereketsa nthawi zambiri amakhala bungwe lazachuma, monga banki, bungwe la ngongole kapena kampani yobwereketsa nyumba, kutengera dziko lomwe likufunsidwa, ndipo mapangano a ngongole amatha kupangidwa mwachindunji kapena mwanjira ina kudzera mwa oyimira pakati. Makhalidwe a ngongole zanyumba, monga kuchuluka kwa ngongole, kukhwima kwa ngongole, chiwongoladzanja, njira yobwezera ngongole ndi zina, zimatha kusiyana kwambiri. Ufulu wa wobwereketsa pa katundu wotetezedwa umakhala patsogolo kuposa obwereketsa ena a wobwereketsa, kutanthauza kuti ngati wobwereketsa wasowa ndalama kapena walephera, obwereketsa ena adzalandira kubweza ngongole zomwe ali nazo pogulitsa katunduyo. amalipidwa zonse poyamba.
40 years mortgage
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zaka 40 zowerengera za ngongole
O, zaka 50 zapitazo. Izo zinali nthawi zina, sichoncho? Anthu anali asanatsike pa mwezi, a Beatles anali atakwiya kwambiri mu nyimbo, galoni ya gasi inali 25 cent, ndipo anthu ankaimba foni ataimirira pokhapokha ngati anali ndi chingwe chachitali kwambiri.
Ngongole ya zaka 50 (kusewera nyimbo zowopsa, mabingu, ndi mfuu kuchokera ku nyumba yosanja) ndi ngongole yanyumba yokhala ndi chiwongola dzanja chokhazikika komanso zolipirira zotsika pamwezi zomwe zimabwezedwa pazaka 50. Ndiko kuti, miyezi 600! Ndi chilombo chachikulu cha ngongole zanyumba, Moby Dick yobwereketsa, ndi ngongole yanyumba zomwe zimakutsimikizirani kuti mudzakhala ndi ngongole kwa moyo wanu wonse wachikulire.
Monga kuzunzika kwamadzi aku China, ngongole yazaka 50 ndi njira yayitali komanso yochepetsetsa yolipirira nyumba yanu. Ngongole yazaka 50 idabwera koyamba ku Southern California, komwe nyumba zidakwera mtengo kwambiri ndipo anthu amafunafuna njira zochepetsera chiwongola dzanja pamwezi.
Monga malipiro ake pa ngongole ya zaka 15 ndi zaka 30, ngongole ya zaka 50 ndi ngongole yokhazikika, kutanthauza kuti chiwongoladzanja chimakhalabe chimodzimodzi pa moyo (wautali) wa ngongole. Muzilipira ndalama zonse zazikulu ndi chiwongola dzanja mwezi uliwonse ndipo… ngati mukadali ndi moyo kumapeto kwa zaka 50 zangongole, mudzakhala eni nyumba.
Mitundu ya ngongole za zaka 40
Kusankha ngongole yanyumba ndi gawo lofunikira pakugula nyumba. Kusankha chiwongola dzanja chazaka 15 m'malo mwa nthawi yazaka 30 kumveka ngati kusuntha kwanzeru, sichoncho? Osati kwenikweni. Kusankha nthawi yaifupi yobwereketsa kumakhalanso ndi zabwino zina zopulumutsa. Komabe, ngati ndalama zomwe mumapeza ndizochepa kwambiri kwa zaka 15, ngongole yanyumba yazaka 30 idzakhala yotsika mtengo pamwezi. Ngati simukudziwa kuti ndi ngongole yanji yomwe mungasankhe, yang'anani pansipa kuti mudziwe yomwe ili yoyenera kwa inu.
Kusiyana kwakukulu pakati pa zaka 15 ndi zaka 30 za ngongole zanyumba ndi momwe malipiro ndi chiwongoladzanja zimasonkhanitsidwa. Ndi ngongole ya zaka 15, malipiro anu pamwezi ndi apamwamba, koma mudzalipira chiwongoladzanja chochepa. Ndi ngongole ya zaka 30, zosiyana zimakhala choncho. Mukamaliza kulipira zambiri za nyumba yanu chifukwa cha chiwongola dzanja. Koma malipiro a ngongole nthawi zambiri amakhala ochepa.
Poyesa kusankha nthawi yobwereketsa, ganizirani zomwe zili zabwino pa bajeti yanu. Yesani kuyeza ndalama zonse. Mwachitsanzo, tiyerekeze kuti mukufuna kubwereka $150.000 kuti mugule nyumba. Mutha kusankha pakati pa chiwongola dzanja chazaka 15 pa 4,00% kapena chiwongola dzanja chazaka 30 pa 4,50%. Pa ndondomeko ya zaka 15, malipiro anu angakhale pafupifupi $1.110 pamwezi, osaphatikizapo inshuwalansi ndi misonkho. Mutha kulipira chiwongola dzanja cha $50.000 pa moyo wanu wonse wangongole.
